Rural Insurance

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You know farming. We know rural insurance. Let’s work together.

We’ve partnered with New Zealand’s rural communities for over 150 years. Along the way, we’ve learnt a thing or two about making our policies work smarter to cover your farm, business and personal assets.

Make a claim

Start your claim with an online claim form.  If you have questions about an existing claim give us a call.

If you need to check your cover, or update your details, contact your broker or adviser for assistance.

Read policy wordings

About your premiums

At Vero we strive to develop insurance policies that are accessible to as many New Zealanders and their businesses as possible. But it’s equally important that they are priced in a sustainable way, ensuring we’re able to support our customers both now and in the long term.

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For brokers

Check out the broker and adviser portal for the latest broker news and industry updates.

Go to Broker and Adviser Centre


Its easy with Vero Farm & Lifestyle Block Insurance

Look after your farm and everything on it—from your home and contents, through to your farm buildings and equipment, livestock, liability and business interruption. Together with your broker or adviser we can help build an insurance plan that’s just right for you.

Policy limits, conditions and exclusions apply. Please refer to the policy wordings for full details. 

Protect your farm


Farm Assets

Covers assets such as buildings, fences, sheep and cattle yards. In addition to hedges and shelter belts, irrigators and animal feed.


Farm Recovery

An unexpected interruption can have a significant financial impact. If your farm buildings or assets are damaged, this provides cover for the additional costs to keep your farm running and can also protect your farm income.


Farm Motor

Provides cover for vehicles like quad bikes and tractors that are used to undertake farming operations as well as for limited contracting purposes.


Farm Machinery Breakdown

Keep your farm going if your machinery breaks down. Includes hire costs, while we replace or repair your equipment.


Farm Animals

Whether it’s a prize bull, a flock of sheep, or your most trusty working dog, our farm animals policy can provide cover for the death of an animal as well as extended cover in certain circumstances.


Farmer's General Liability

Provides cover if you are legally required to pay compensation for personal injury or property damage, including liability arising from farming operations such as roadside grazing animals.


Farmer's Employer's Liability

If your employee sustains a personal injury and makes a legal claim, we’ll provide cover for your legal liability to pay damages and defence costs.


Farmer's Statutory Liability

Provides cover for your defence costs and legal liability to pay penalties ordered against you by the courts, as a result of unintentional breaches through your farming operations. 

For everything else


Home & Household Contents

You’ve worked hard for your home, and everything in it. That’s why our home and household contents insurance gives you the flexibility to choose the cover that meets your needs. 


Private Motor

We understand how important it is to be mobile. So, if your vehicle is damaged or stolen, it’s important to get you back behind the wheel – and fast. With three levels of motor insurance cover — Comprehensive, Third party with fire & theft, and Third party — you can choose the cover that’s right for you.



From trailer boats to launches, at sea and on land, we’ve made boat insurance plain sailing with a policy designed for your private boat and equipment. It also includes dinghies and jet skis. 


Lifestyler Home

A simple option for lifestyle blocks, with a single policy that provides cover for your home, farm buildings, tools and equipment, vehicles and liability.

Policy limits, conditions and exclusions apply. Please refer to the policy wordings for full details. 

Expert medical, mental and well-being advice

Vero Connected Care is included at no extra cost for all our Vero Farm and Lifestyle Block customers.

Access a network of local and global experts to answer any medical and mental health questions you have, as well as professional nutritional and fitness expert services.

Vero Connected Care is available to you, your partner/spouse, children, parents, and even your parents-in-law at no cost.

Sign up for Vero Connected Care at

Vero Connected Care services:


Ask a GP

Get answers to your medical question/s from an experienced New Zealand GP, they’ll get back to you with a detailed report within one business day (This is general medical advice only).


Expert Medical Opinion

Need more clarity and confidence on a medical issue? Have a leading specialist review the diagnosis and proposed treatment plan.


Ask a Mental Health Clinician

For general advice and help about mental health, a registered mental health clinician can answer your questions.


Get Help with the Mental Health Navigator

Discreet and confidential support from a team of mental health experts from the comfort of your own home.


Nutrition & Fitness Consultant

Have a qualified fitness or nutrition specialist assess your needs one-on-one and get a clear plan of action to make the first step toward achieving your health goals. The specialist will follow-up to check-on your progress.

Find out more here.
Already signed up? Access your account here.

Find a broker who understands farming

We believe a professional insurance broker or adviser can give you the best advice. Build a relationship with them. The better they get to know you and your farm, the better they will be able to help you get the right cover at a competitive price.

Our network of brokers spans the whole of New Zealand. So no matter where you are, there’s always an expert broker nearby.

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Important information

Excesses, terms, conditions, limits and exclusions apply to these policies. Please check the policy wording for details of cover. The provision of cover is subject to the underwriting criteria that apply at the time.


Our website provides general information about our products and services to help you make choices when it comes to protecting the things in life and business that really matter and is not intended to be financial advice. For advice on product suitability, please contact your financial adviser.


Vero Connected Care was previously known as Best Doctors and replaces the service. Vero Connected Care is owned and operated by Teladoc Health Australasia Pty Limited (“Teladoc”). To access Teladoc Health services via Vero Connected Care at no extra cost, you must have an active and in force Vero Farm & Lifestyle Block Insurance Policy. If you’d like to check if you qualify, please contact your Broker or Vero customer service 0800 808 508. Vero Insurance New Zealand Limited (“Vero”) reserves the right to withdraw or modify the terms of access to Vero Connected Care at any time. The content of this flyer is for information purposes only and is not financial, legal or medical advice nor does it offer any opinion or recommendation about whether a particular policy is right for you. You should consult a qualified financial adviser for advice specific to your personal situation and needs. Vero disclaims all responsibility for any loss, claim, cost, liability, expense, or injury suffered by any person as a result of utilising the services provided by Teladoc or the information or content appearing on the Teladoc website or Vero Connected Care web portal, except where such loss cannot be excluded by law. Vero Connected Care is not insurance (including medical insurance) and it does not replace your relationship with your current doctor or medical specialist. Dental and emergency conditions are excluded from the services.

*Mental Health Navigator, Mental Health Clinician and Nutrition and Fitness Consult are only available to people who are aged 18 years and over, and are residing in New Zealand.